Independent Mortgage Broker · WA & ID Licensed

Many lenders shopped,
start to finish.

We shop many lenders to find your fit and guide your loan from application to closing. UWM is one of the many wholesale lenders we work with. No bank overhead, no runaround. Just a faster close and a team you actually talk to.

Talk to a Loan Officer Now → Start an Application
Many Lenders Shopped to find your fit
★★★★★
5.0 Google Rating
25+ Years of combined experience
WA · ID Licensed & serving
Why Beeline

The advantage of working with an independent broker.

Beeline shops many lenders to find your fit, including wholesale lenders like UWM. You deal with the people handling your file from first call to closing.

Wholesale Access, Many Lenders

Beeline shops many lenders, including wholesale lenders like UWM, to find pricing that fits your situation. We guide your loan from application to closing with the people you actually talk to.

One Application. One Team.

You fill out one form. Our team structures your loan around your situation and guides it through, start to finish, with the terms our partner relationships support.

Faster Closings

No committees. No bank red tape. When you're ready to move, we move. As an independent broker, our team works directly with lenders, without the internal approval layers that can slow down a bank.

25 +
Years Chris has closed loans in WA & ID

Local Market Expert

Chris knows Washington and Idaho. The neighborhoods, the loan limits, the market conditions. That local knowledge is built into every loan our team closes.

What Are You Looking For?

Loan options for every situation.

Whether you're buying your first home, refinancing, or investing, our team matches you to the right loan and shops many lenders to get it done.

Conventional Loans

A common loan type. Strong credit and flexible down payment options through our wholesale lender network, including UWM.

Learn more → FHA Loans

Low down payment options with credit scores as low as 580. A great path to homeownership for first-time buyers and those rebuilding credit.

Learn more → VA Loans

No down payment required and no PMI, exclusively for veterans and active duty military. VA Funding Fee applies. You earned this benefit.

Learn more → Self-Employed

Don't fit the traditional income box? Bank statement loans and alt-doc options let your business income work for you. No W-2 required.

Learn more → USDA Loans

No down payment required for eligible rural and suburban buyers. Many Washington and Idaho zip codes qualify, including Liberty Lake and Sandpoint.

Learn more → DSCR / Investors

Qualify based on your rental property's income, not your personal tax returns. Built for real estate investors in Washington and Idaho.

Learn more → First-Time Buyers

Not sure where to start? We'll walk you through every option, including down payment assistance programs most buyers don't know exist.

Learn more → Refinance

Rate dropping? Need cash out? We'll run the numbers and tell you if refinancing actually makes sense, and structure the right option for you if it does.

Learn more →
View all loan options →
Client Reviews

Real results from real clients.

Google Reviews
★★★★★
5.0 Average rating, 105 Google reviews

Verified Google reviews from real Beeline clients.

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Common Questions

Answers from Chris Hendrickson, NMLS #145552

Quick answers to what most borrowers ask first. More in-depth answers and dozens more questions on the full FAQ page.

View all FAQs →
A bank can only offer its own products and rates. As an independent mortgage broker, Beeline shops many lenders, including wholesale lenders like UWM, and brings back options that fit your situation. Wholesale pricing is often more competitive than what banks offer retail. One team guides your file from application to closing, so you get straight answers and people you actually talk to.
It depends on the loan type. Conventional loans typically require a 620+ credit score. FHA loans are available with scores as low as 580 with 3.5% down. VA loans have no official minimum, though guidelines typically prefer 580 to 620. If your score is lower, our team can often still find a path, or help you understand what steps would improve your options quickly. Learn more about FHA loans →
Yes, and this is one of our specialties. Self-employed borrowers often get turned away by banks because their tax returns don't reflect their actual income. We offer bank statement loans that use 12 or 24 months of deposits to qualify, instead of W-2s or tax returns. If you've been self-employed for 2+ years and your business is profitable, there's likely a loan option for you. See self-employed loan options →
The industry average is 30 to 45 days, but we regularly close in 21 to 30 days for prepared buyers. The biggest variable is how quickly you can provide documents. We'll tell you exactly what we need upfront so nothing slows us down. Complex situations like self-employed income or investor loans can take a few days longer, but we'll give you a realistic timeline from day one.
Get Started Today

Ready to see what your rate looks like?

Talk to a loan officer now. We answer calls and texts, and we shop many lenders so you deal with the team handling your loan. Or start your application online in about 3 minutes.

Talk to Us Now → Start an Application

No credit pull No commitment ~3 minutes